But for some reason, cut scenes seem to be a problem for subtitles - the rest of the game can voiced with subtitles but with in-game graphics, but when it cuts to the "movie" they disappear (see Persona games for example). So I just wanted to make sure I wouldn't be lost during cut scenes.

Lunar will always be one of my faves. It was the first RPG I bought (on the Sega CD system) that had voice acting. I was impressed at how much voice acting added to the game. I later bought all the decked-out Working Designs versions for the PS1 as well. "Aleax... Oh, Alex!".